Your local Mortgage Broker and Home Loan Specialist in Mackay, Armstrong Beach, Freshwater Point and surrounding areas

Call: 07 4957 7786

Looking for a home loan, car loan, business finance or financial advice? Talk to Graham Bowling and the team on Victoria Street, Mackay for help.

Call Us Mortgage Choice Mackay
Office - 07 4957 7786
Fax - 07 4957 2777

Open Hours Mortgage Choice Mackay
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Address

133A Victoria Street MACKAY, QLD 4740

Your local Mackay home loan experts are just around the corner!

Let us take the hard work out of finding the right loan

As an accomplished mortgage broker, Graham Bowling is your go-to broker in Mackay for your home loan, car loan or property investment loans. If you're in Mackay and searching for a home loan, Graham offers professional and personalised advice.

Graham and the team bring their knowledge and experience to ensure you receive a professional and stress-free home loan service. They will take the time to grasp your personal property goals and give insight into the Mackay market meaning you’ll be in good hands.

Figure out how much you could borrow for your next property with our home loan borrowing calculator.

We help find the right loan for you

As mortgage brokers at Mackay, Mortgage Choice has access to a broad range of different loans from our panel of lenders. Graham will help you find one that's suitable for you and your property goals.

Graham's aim is to provide a hassle-free home loan process. The team at Mortgage Choice, Mackay take pride in taking care of the details of your home loan so you can concentrate on the bigger picture.

Graham and the team will always take the time to listen to you, explore your options, keeping you advised as your loan application advances, and then celebrate with you as you hit your wealth creation milestones.

Hear what some of our customers have to say!

Get in touch today! Let Graham apply his knowledge of the banking and finance industry on your behalf.

Call us on 07 4957 7786 or hit the bright orange ‘Contact Us’ button at the top of the page.

The Home Loan Process

If you want to know what a mortgage broker can do to help you, keep reading. We break down how Mortgage Choice in Mackay will find you the right home loan solution for your situation.

Put simply, as your local mortgage broker in Mackay we can take the time and hassle out of shopping around for the right home loan and guide you through the home buying process with expert advice. Our process is straight forward and stress-free!

Initial Consultation – Join Graham to discuss your goals and circumstances. It's free, without obligation and fully confidential.
Loan Choice – as a Mortgage Broker Graham can quickly evaluate hundreds of loan products from a wide range of lenders, present you with detailed information, then work with you, answering your questions to help you make the home loan choice that is right for you.
Application to Settlement – Graham takes the stress out of the home loan process. He'll complete and submit the appropriate documentation then follow the application through to settlement.
Future Needs – Graham is committed to assisting his customers in achieving their property goals, not just today but into the future.

Our Services

We provide a range of services to meet your loan and finance needs:

First Home Buyers
Next Home Buyers
Investors
Refinancing Existing Home Loans
Home Loans
Car Loans
Equipment Finance
Personal Loans

We meet all your finance needs with the same care and attention to detail that we put into all of our applications.

Let's get started today! Give us a call on 07 4957 7786 or click on the ‘Contact Us’ link to set up a time to meet in our Mackay office.

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

We had a great experience with Mortgage Choice. Graham is very professional, easy to talk to and he explains everything so well. We used his services to buy an investment property, and he went above and beyond to make it happen for us. We would absolutely use his services again
in the future, the best broker in Mackay.

Jet
19 December 2024

Can highly recommend Graham and his team, we recently used their services for the 3rd time and can't thank them enough for their help.
Always helpful, professional and keeps a process that can be stressful easy to understand and stress free.

Melissa
08 December 2024

I was recommended Graham for a mortgage broker and I am glad I took that advise. Graham made the process super easy to understand. He was helpful and informative to any questions I had. The team at Mortgage Choice Mackay definitely deliver above and beyond amazing service.
Thank you very much Mortgage Choice Mackay team

Michael
21 November 2024

Graham Bowling and his team were absolutely amazing. The professionalism and care was just first class. Timelines were met, communications were always pleasant and exceeded my expectations. A great experience.

Diane
17 November 2024

Good service indeed

Yanlin
06 November 2024

Great team to deal with

Lynne
05 November 2024

Graham and Mel were amazing helping us into our first family home. So helpful and always informing you straight away, they made the process stress free. Highly recommend

Charlain
05 November 2024

Thank you Graham and your team at Mortgage Choice, definitely recommended

Todd
05 November 2024

Always a pleasure dealing with Graham and his team. They make the process so easy and have everything sorted quickly. Really appreciate their help every time.

Tony
03 September 2024

Graham and his team are extremely helpful. We have been clients of Mortgage Choice for a number of years and they have always been able to assist us in achieving our goals. I would highly recommend their services.

Christian
29 August 2024

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

Value of property

State

Property use

Type of dwelling

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First Home Buyer?

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Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,650 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is $10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

As of 30 June 2021, there are currently no stamp duty concessions for first home buyers in NT.

Previously the Territory’s First Home Owner Discount was in place from 8 February 2019 to 30 June 2021. It let you save up to a maximum of $18,601 on the cost of stamp duty. The savings were available whether you purchased a new or established home as long as the home was valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $30,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $7,175 which is the maximum stamp duty rebate available to first home buyers in QLD.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy a new home. You can choose from a house, apartment, townhouse or villa.

You will only be able to claim the FHOG SA if you pay below the following amounts for your home:

Before 14 June 2023: $575,000
After 15 June 2023: $650,000

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $30,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.